number one i think the consumer has really demonstrated incredible wisdom in a challenging economic environment. the question for all of us is how long willho that last that e consumers held up relatively well. i think we alsoly see that in spending and the credit risk -- or formants which have substantially come down verall, they're at close to historical lows. we're performing a50% better than the major bank card issuers. so i think that that demonstrates some view that the consumer health is pretty decent. consumer confidence held up pretty well. but, frankly, david, i've really been of the view not surprisingly that the economic recovery as i look at in the broad scale is going to be relatively slow. i don't have a great deal of confidence that there's going to be any turnaround in the near term. and i think what we've got to hope for is that it >> over the last, certainly over the last four years of this administration part of a long-term trend as i've outlined in the book is using more and more state power to impose a particular worldview called liberalism and i will go into a definition